I think this is for the document or legal side,

来源: 于 2010-06-04 12:25:50 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

right now loan broker SUPPOSE to make money from the borrower, NOT from bank. That's why they have to return the YSP from the lender to the borrower, then charge back the same amount to the borrower.

In reality, it is the same thing.